3754 Opal Dr, Mulberry, FL 33860 Property Records

Polk County property record for 3754 Opal Dr, Mulberry, FL 33860

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,710 sqft · built 1985
Lot Size	0.283 acres (12,323 sqft)
Owner	2 Company Names on Record
Last Sale	$87,000 (Sep 1998)
Tax Bill	$1,176 (2025)
Deeds & Mortgages	Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`23-29-34-142460-001440`

Property Details

APN / Parcel Number

Primary APN	`23-29-34-142460-001440`
Alternative APNs	`342923142460001440` `42923000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,710 sqft Living Area
Gross Area	2,388 sqft
1st Floor Area	1,710 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Other
Lot Area	12,323 sqft (0.283 acres)
Lot Dimensions	145 ft deep x 85 ft wide
View / Lot	Commercial/Industrial
Garage Type	Attached
Garage Area	440 sqft
Porch	Florida Room
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	3754 OPAL DR
City	MULBERRY
State	FL
Zip	33860-8509
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IMPERIALAKES PHASE TWO SECTION ONE B PB 69 PGS 21 THRU 26 LOT 144
Legal Range	23E
Legal Township	29S
Legal Section	34
Legal Subdivision	IMPERIALAKES PHASE TWO SEC 1-B
Legal Phase	2
Legal Tract	142460
Legal Block	2
Legal Lot Number	144
Jurisdiction	POLK FL
Township / Civil Division	BARTOW
Census Block Group	2
Census Block	2009
Census Tract	14906

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	3754 OPAL DR, MULBERRY, FL 33860-8509
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 1998 · Amount on Record
Deed Sale	Sep 4, 1998 · Amount on Record
Prior Sale	Apr 6, 1995 · Amount on Record
Deed Book / Page	4093 / 420
Last Transfer Date	Oct 2, 2003
Transfer Doc	0000203193
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK FL
Property Address	3754 OPAL DR, MULBERRY, FL 33860-8509
Document Number	0110350768
Instrument Date	Oct 18, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3754 OPAL DR MULBERRY FL 338608509, MULBERRY, FL 33860-8509

Mortgage

Document Number	0110350768
Date	Nov 8, 2019
Book Page	011035/000768
Instrument	237854

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 7, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Florida
County	Polk County
Unified School District	Polk County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$134,740 (+2.7%)	$257,201 (-5.25%) Land $38,000 Building $219,201
2025	$1,176.00 (-29.71%) Homeowner's exemption	$131,198 (+5.99%)	$271,458 (-0.43%) Land $38,000 Building $233,458
2023	$1,673.00 (+5.35%) Homeowner's exemption	$123,786 (+3%)	$272,621 (+9.95%) Land $37,000 Building $235,621
2022	$1,588.00 Homeowner's exemption	$120,181	$247,940 Land $35,000 Building $212,940

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 18 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	18 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · lower than 92% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOUTHWEST/POLK COUNTY UTILITY serves 39,209 people · EPA ID FL6530852
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	11 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20